# Can I withdraw a Lifetime ISA if I am terminally ill?

> Quick answer · Last updated 4 July 2026

Canonical HTML: https://moneyguide.org.uk/answers/lisa-terminal-illness-withdrawal-rules/
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## In short

Yes. If a registered medical practitioner confirms you have less than 12 months to live, you can withdraw the full LISA balance without the 25% charge. Contact your provider with medical evidence to start the process.

Terminal illness withdrawal is one of three authorised routes alongside first-home purchase and age-60 retirement access.

Funds can pay for care, adaptations or family support. Tax-free status applies to the withdrawal itself.

If you recover beyond the 12-month prognosis, rules on re-contribution are limited — seek provider guidance.

See LISA withdrawal rules guide for comparison with pension serious ill-health benefits.

## Related

- [LISA withdrawal rules](https://moneyguide.org.uk/savings/lifetime-isa-withdrawal-rules/)
- [What is a Lifetime ISA?](https://moneyguide.org.uk/answers/what-is-the-lifetime-isa/)

## Primary source

gov.uk/lifetime-isa

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.